Best Personal Loan Rates in Downey, California (CA) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Downey, California include: SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union9125 Imperial Hwy Ste A, Downey, CA, 90242A+5.0 ★Texas Ratio: 5.68% offering Personal Loan at 7.99% APR, California Credit UnionCalifornia Credit Union9300 IMPERIAL HWY, DOWNEY, CA, 90242 2813A+5.0 ★Texas Ratio: 1.98% offering Personal Loan at 8.99% APR, Downey Federal Credit UnionDowney Federal Credit Union8237 3rd St, Downey, CA, 90241 3718C3.8 ★Texas Ratio: 29.42% offering Personal Loans at 9.00% APR, Rancho Federal Credit UnionRancho Federal Credit Union12620 Erickson Ave Ste H, Downey, CA, 90242 4019A+5.0 ★Texas Ratio: 1.83% offering Personal / Signature Loans at 10.99% APR, and Southland Credit UnionSouthland Credit Union8545 Florence Ave, Downey, CA, 90240 4014A5.0 ★Texas Ratio: 7.82% offering Personal Loans Signature Loan at 11.74% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Downey has 6 local institutions in our database, with personal loan rates as low as 7.99% APR from SchoolsFirst Federal Credit Union at 9125 Imperial Hwy Ste A, Downey, CA, 90242. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Downey, California.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Downey, California. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: April 19, 2026
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As Low As; Rate reflects a 0.75% discount for payment by automatic transfer from your SchoolsFirst FCU account. Rate, terms and conditions may vary based on creditworthiness, amount financed and program qualifications.
As Low As; - Low monthly payments FIXED for the life of the loan - Predictable monthly payments that stay the same for the life of the loan - Financing up to $50,000 - No collateral required - Terms up to 120 months
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As Low As; Terms up to 120 months; Competitive rates - as low as you'll find anywhere! Can even cost less than promotional dealer financing; Pre-approvals to make shopping easy; Loan refinance from other lender; No pre-payment penalty; No application fee
As Low As; Maximum term 48 months; Up to $10,000
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As Low As; No money down and no pre-payment penalties; No payment for 90 days; Quick application turnaround; Contractors must be approved by the credit union; Terms up to 300 months
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APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender.
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$3,000 Max
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Fixed / APR; above dividend rate being paid on the Share Certificate Account securing the loan
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As Low As; Maximum Loan Amount: $125,000
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$50,000; As Low As
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Loan Amount: $5,000 Maximum; Requires proof of purchase (receipt) or purchase order (invoice) at the time of funding. Limit of one technology loan per member. All proceeds will be paid directly to the member.
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Approximate Term: Up to 24 months
Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
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As Low As; Maximum Loan Amount: $125,000
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Require checking with Direct Deposit
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As Low As; 5-Year fixed rate
As Low As; Primary Residence
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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
Approximate Term: Up to 60 months
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APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender.
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As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
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Approximate Term: Up to 72 months
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Lowest listed rates include 0.25% discount for automatic payment from Eagle Checking.
As Low As; Up to $40,000
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New loans (No refinancing); Rate base on automatic payments; No current delinquencies, charge off or collections; Offer valid from November - February
Approximate Term: Up to 84 months
No additional details available.
Solar loans will have a UCC Filing attached to them.
Up to $50,000
As Low As; Loan To Value up to 85%. Rates subject to change without notice. This loan is secured by your home. Property must be located in the following counties: Orange, Los Angeles, Riverside, San Bernardion, Ventura and San Diego. Property must be owner-occupied. Rates and terms quoted are for single family dwellings. Member fees may include appraisal, title change, recording fees and any other related fees.
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$100,000; As Low As
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As Low As; Maximum Loan Amount: $125,000
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over $250,000; As Low As; 5 year adjustable - 30 year term, due in 15 years
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$20,000; As Low As
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Up to $50,000
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$500 - $2,000
As Low As; Up to $40,000
up to $250,000; As Low As; 10 year fixed
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$10,000; As Low As
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Limited-Time Offer
Up to $50,000
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As Low As; Maximum Loan Amount: $125,000
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Contact Credit Union for qualifying terms and individual rates
$10,000; As Low As
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As Low As; Up to $15,000, 60 months over 10K borrowed
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As Low As; - Low monthly payments FIXED for the life of the loan - Predictable monthly payments that stay the same for the life of the loan - Financing up to $50,000 - No collateral required - Terms up to 120 months
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APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender.
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As Low As; $30,000 maximum - consolidate your high rate loans
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Contact Credit Union for qualifying terms and individual rates
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As Low As; Up to $15,000, 60 months over 10K borrowed
Downey, CA Personal Loan Rate Trends
Compare local Downey, CA personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
California personal loan rates rose 0.055 points over the past 7 days to 10.664% APR.
California signature loan rates rose 0.052 points over the past 7 days to 11.228% APR.
Frequently Asked Questions
What credit score do I need for a personal loan in California?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in California?
Are credit unions or banks better for personal loans in Downey, California?
What are the best personal loan rates in Downey, California?
- SchoolsFirst Federal Credit Union: 7.99% (Personal Loan)
- California Credit Union: 8.99% (Personal Loan)
- Downey Federal Credit Union: 9.00% (Personal Loans)
- Rancho Federal Credit Union: 10.99% (Personal / Signature Loans)
- Southland Credit Union: 11.74% (Personal Loans Signature Loan)
Personal Loan Calculators
